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California Life Insurance

Life insurance is not a luxury; it is a necessity. Whether you have young children who must be cared for, a business to protect or just need your final expenses taken care of, California life insurance can take care of your needs. The policies are easy to apply for, and finding an affordable one is surprisingly easy. Here is what you should know about life insurance.

California Life Expectancy Information
The fresh air and sunshine in California works wonders for the local residents. People in the state tend to have a great life expectancy. The average for the state is 78.2 years, ranking them 10th out of all 50 states and the District of Columbia. However, it is not unheard for younger people to die in the state of California. For every 100,000 residents in the state, 800 between 55 and 64 will die annually. The death rate for people between 65 and 74 years of age rises drastically to 1,800. There are nearly 5,000 deaths amount people between the ages of 75 and 84. One of the biggest killers in the state is heart disease, an illness that can strike even younger people who are only in their forties.

Laws Regarding California life insurance
When you are ready to cover yourself and protect your family, you should be aware of the laws that are specific to the state of California. The first is a Free Look period. This provision allows customers to take their time reviewing a policy. The state law is that companies must allow customers ten days to review and cancel the policy without facing a penalty. Some companies increase the limit to 30 days, allowing their customers plenty of time to read all of the fine print.

California life insurance also has a grace period mandated by the state. Policies cannot be cancelled for non-payment of premium until the payment is a full thirty days late. This ensures that your policy will not be cancelled if you are a few days late getting the payment to the company.

Some protection for insurers is also provided under California life insurance regulations. If you provide false information on the policy application, the company has two years to revoke the policy based on the misrepresentation. If you have been a heavy smoker and lied about that on the application, the company has the right to cancel the policy within the first two years. Policies are not cancelled for misrepresentations regarding age, but the premiums will be adjusted to reflect the proper age.

When you are ready for California life insurance, take the time to look at different companies. As with any other insurance or service, you can shop around to find the best price and coverage. It is a gift for your family should something happen to you in the future. It is also a gift to yourself right now; because knowing that you are protected with California life insurance will help you sleep easier at night.

Please visit our instant life insurance quote engine to view the best life insurance carriers available in California.